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loan process


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Existing customer



What happens next

  • We'll be in touch for more information

    We’ll give you a call or email to chat through your enquiry. If you're wanting to take out a new home loan, we’ll have some initial questions to ask you so we can begin to understand your individual situation. These questions may cover:

    • How many people are borrowing

    • What your income is

    • What savings you have

    • If you have any other loans or debt

    • If you have any dependents

    Once we have all the details and believe we can assist you with a home loan, we’ll set up a time to meet with you. You can meet us in-branch, our Mobile Mortgage Manager can visit you wherever suits, or if you’re not nearby we can complete everything over the phone and/or email.

  • Complete application

    Next, we'll ask you to complete an application form. If you’re keen to get a head start on the process now, below is the additional information you’ll need to provide in order for us to assess your loan application:

    Proof of identity

    • Photo Identification, such as a Driver’s License or Passport
    • Copy of a utilities bill or rates notice no older than three months (with individual or both names) or a bank statement no older than 12 months, to confirm your physical address

    Evidence of your income
    (if your wages aren't deposited directly into a TSB account)

    • Three months of bank statements and your three most recent pay slips, or;
    • If you're self employed, updated financial statements for the last two years

    Existing outgoings

    • Three months of statements for any non-TSB accounts, credit cards, hire purchases, personal loan or home loan facilities and any other Short Term Commitment(s)
  • Get pre-approval

    As soon as we have all the information and signed forms, we’ll submit your application for pre-approval. This process will take up to two business days.

    A pre-approval gives you confirmation that you’re approved up to a certain sum of money, based on certain conditions. We’ll determine what you can borrow based on all the information you provide.

    Please note: Our home loan applications are assessed on an individual basis, so some may take longer than two days to go through approval. We’ll keep you informed every step along the way so you know what to expect.



What makes us different


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You're in good company

Experience our award-winning service. Our
customers are at the heart of everything we do.
When you need to chat something over,
you can call us and there will always be a real
person to answer your call.

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We're 100% NZ owned

We're a 100% New Zealand-owned bank and
are proud to have been supporting New
Zealanders and their communities for over
168 years. 



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Bank anywhere, anytime

You can bank with us wherever you are in
New Zealand, even if there's not a physical
branch nearby.





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  • Don't forget to read this bit

    Until further notice, a cash incentive of up to 0.70% of the total loan amount, up to a maximum of $4,000 could be available. We’ll also match any nationally advertised home loan rate from ASB, ANZ, BNZ or Westpac for the same term and conditions, subject to the borrower meeting TSB’s lending suitability and affordability criteria.

    The offer only applies to the purchase, refinance from another bank or building of residential owner-occupied properties with an LVR under 80%. Additional margins may apply for bridging loans and buyers with less than 20% deposit. Cash incentive is only for new home lending, excluding top up and redraws. Minimum loan amount of $100,000 applies. Penalties apply for loans refinanced to another lender within 48 months of drawdown. If refinancing happens within the first 24 months, then 100% of the value of the incentive will be repayable to the Bank. If refinancing takes place between 25-48 months, then 50% of the value of the incentive is repayable.

    Loans must be contracted during the campaign period and drawn down within 60 days of contracting. TSB’s standard criteria, lending terms and conditionsinterest rates and fees apply. Inclusion of loans with special conditions attached is at TSB’s sole discretion. Direct credit of wages or salary is required. All interest rates and offers can be changed or withdrawn at any time without notice. Take a look at our Disclosure Statement or grab a copy from your local branch

    TSB received the highest customer satisfaction rating in the Roy Morgan Single Source (NZ) survey, 12 months to December 2018, were awarded the Consumer NZs People’s Choice Award for Banking 2019 and were recognised as the 2019 Customer Experience Excellence Champion in KPMG’s New Zealand Customer Experience Excellence Report.